Agency One Insurance
160-K Pinehurst Ave, Southern Pines, NC 28387
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Southern Pines households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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160-K Pinehurst Ave, Southern Pines, NC 28387
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290 SW Broad St, Suite H, Southern Pines, NC 28387
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190 Turner St, STE A, Southern Pines, NC 28387
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177 W Pennsylvania Ave, Southern Pines, NC 28387
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145 W Vermont Ave, Southern Pines, NC 28387
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Learn about insurance coverage options specific to Southern Pines residents.
Southern Pines insurance guide covering auto, home, and equestrian coverage. Learn about NC's new 50/100/50 requirements and local agents in Moore County.
Home InsuranceSouthern Pines home insurance averages $1,417/year. Learn about 2026 rate increases, equestrian property coverage, and golf community insurance needs.
Car InsuranceSouthern Pines auto insurance guide: NC's new 50/100/50 requirements, at-fault rules, dangerous intersections, and coverage beyond minimums.
As of July 1, 2025, North Carolina requires 50/100/50 coverage for all new or renewed policies. This means $50,000 per person and $100,000 per accident for bodily injury liability, plus $50,000 for property damage liability. You must also carry uninsured and underinsured motorist coverage matching these limits.
The average homeowners insurance premium in Southern Pines is around $1,417 annually, though costs vary based on your home's value, size, and age. Homes with $200,000-$299,999 in dwelling coverage average $1,265 per year, while $400,000-$499,999 coverage averages $1,792. Rates are increasing by approximately 15% through mid-2026 due to rising claim costs and inflation.
Yes, standard homeowners insurance typically doesn't adequately cover horses or equestrian activities. You'll need specialized equine insurance that includes mortality coverage to protect your investment, liability coverage in case your horse injures someone, and potentially medical coverage for your horse. If you run a commercial equestrian operation like a boarding facility or offer lessons, you'll need commercial equine liability insurance.
Both options have advantages. Independent agents in Southern Pines can compare quotes from multiple carriers to find you the best rate and coverage combination, and they bring local knowledge about Moore County's specific risks. Buying directly from a company might offer convenience and potentially exclusive discounts, but you won't get comparison shopping. Many Southern Pines residents find value in the personal relationship and claims advocacy that local independent agents provide.
Bundle your auto and home insurance for 15-25% discounts, maintain good credit since North Carolina allows credit-based pricing, and raise your deductibles if you can afford a higher out-of-pocket cost when filing claims. Also ask about discounts for security systems, defensive driving courses, safe driving apps, and home improvements like roof replacements. Shop around every few years, as rates vary significantly between carriers.
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